MT. Gilead Federal Credit Union Washington, District of Columbia
MT. Gilead Federal Credit Union is a federal credit union headquartered in Washington, DC, established in 1950 (NCUA charter 6506), and it is regulated and insured by the NCUA. At Q2 2026 it reported 51 members and total assets of $78K (up 0.2% from Q2 2025), the 29th largest of 29 credit unions headquartered in District of Columbia. Its net worth ratio was 17.49% at Q2 2026, in the well capitalized band.
Also written as MT. Gilead FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 6506
- Headquarters
- Washington, DC
- Established
- 1950
- Total assets, Q2 2026
- $78K
- Assets vs Q2 2025
- +0.2%
- Members, Q2 2026
- 51
- Net worth ratio, Q2 2026
- 17.49%
- Latest call report
- Q2 2026, NCUA 5300 · MT. Gilead Federal Credit Union call report
- Asset rank in state
- 29th of 29 in District of Columbia
- Routing number
- 254074895
- Branches
- 1
It had the same number of members on June 30, 2025. Its net worth ratio was up 0.74 percentage points from 16.75% on June 30, 2025. Other unsecured loans and lines of credit are its largest loan category, $22K of $22K in total loans on its June 30, 2026 filing.
Credit unions similar in size in District of Columbia
Frequently asked about MT. Gilead Federal Credit Union
How big is MT. Gilead Federal Credit Union?
At Q2 2026 it reported total assets of $78K and 51 members.
Where is MT. Gilead Federal Credit Union headquartered?
It is headquartered in Washington, DC, United States.
When was MT. Gilead Federal Credit Union founded?
It was established in 1950, per NCUA records.
Is MT. Gilead Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 6506): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates MT. Gilead Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is MT. Gilead Federal Credit Union well capitalized?
Its net worth ratio was 17.49% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is MT. Gilead Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 35.04% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Washington, DC 20009
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1950
- NCUA Charter #
- 6506
- RSSD ID
- 647085
- Members
- 51
- Potential members
- 100
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 0 of 3 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 17.49% | 14.31% | 66th above |
| Return on assets Middle half of peers: 0.16% to 1.30% | 1.28% | 0.72% | 74th above |
| Return on equity Middle half of peers: 1.04% to 8.69% | 7.30% | 4.74% | 66th above |
| Net interest margin Middle half of peers: 3.31% to 4.53% | not on file | 3.93% | not on file |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | not on file | 79.83% | not on file |
| Cost of funds Middle half of peers: 0.37% to 1.23% | not on file | 0.78% | not on file |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | not on file | 0.86% | not on file |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 2.22% | 4.70% | under 10th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 35.04% | 58.92% | 17th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$78K total assets against $78K; $63K total shares and deposits against $64K; $22K total loans against $21K.
$14K net worth against $13K.
17.49% net worth ratio against 16.75%.
35.04% loan-to-share ratio against 32.79%.
1.28% return on assets against 1.29%; 7.30% return on equity against 7.73%.
51 members against 51.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 17.49% | 1.28% | — | 35.04% |
| March 31, 2026 | 17.52% | 1.03% | 11.00% | 28.90% |
| December 31, 2025 | 17.13% | 0.05% | — | 31.48% |
| September 30, 2025 | 16.59% | 0.70% | — | 32.72% |
| June 30, 2025 | 16.75% | 1.29% | — | 32.79% |
| March 31, 2025 | 16.74% | 1.66% | — | 37.20% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.